Does auto insurance cover car seat replacement?

My vehicle was damaged in a severe storm. My child's car seat may be damaged. Will car insurance cover that?

Answer
“The type of car insurance that may cover the damaged car seat in this scenario would be comprehensive coverage.
Comprehensive coverage typically covers storms and weather-related damage. Insurance companies often file car seat claims under it as well.
Even if you don’t have comprehensive insurance, still ask your insurance about coverage. Many states have laws that require car insurance companies to reimburse drivers for car seats. Having the receipt or the damaged car seat will be helpful for the claims adjuster to see as well.
While there is a chance your insurance won’t cover the car seat unless your child was in it, you should still ask!
Should you be unable to get your child’s car seat replaced, consider looking at other companies. You can find companies that specifically offer to replace or reimburse you for a car seat after an accident.
To easily find new insurance companies, use the Jerry app. A licensed broker, Jerry compares rates from the top providers and delivers the best deals to your phone in minutes for free.”
Sophie Newman
Answered on Sep 16, 2021
Sophie Newman is a writer from California. Her hobbies include brewing her own kombucha, riding horses, and taking long road trips.
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